Mini car insurance

The price you pay to insure your Mini will depend on several factors, such as your age, location and driving history. However, there are still things you can do to try and help bring down the cost:

Shop around and compare quotes

Comparing prices is one of the best ways to insure you're getting the best deal for the cover you need. Our data suggests the best time to buy your policy is around 26 days² before your renewal date.

Estimate your mileage accurately

Typically, the more miles you drive, the more your insurance will cost. This is because driving more puts you at a higher risk of making a claim. Our customers drive 6,621 miles per year, on average². If you don't drive many miles, you might benefit from a pay-as-you-go policy.

Improve your car's security

Adding things like a steering wheel lock, car tracker, or immobiliser to reduce the chances of car theft. Parking in a secure garage rather than on a dimly lit street can also help reduce the likelihood of your Mini being stolen.

Build up your no-claims bonus (NCB)

Each year you're insured without making a claim, your NCB increases. Insurers offer discounts for each year of no-claims you build up. Some policies allow you to protect your no-claims discount, so you can make a certain number of no-fault claims in a year and not lose your NCB.

Pay annually rather than monthly

By paying annually, you can save on your car insurance. This is because when you pay monthly, insurers add interest onto the cost.

Add a named driver

Adding a driver with a good driving history can be especially helpful if you're a young driver. Just make sure you're honest about who the main driver is, otherwise this is known as 'fronting', which is illegal and can result in your insurance being invalidated.

Increase your voluntary excess

Generally, the higher your excess, the lower your insurance could be. Just make sure you set it at a level that you can afford to pay if needed.